How Much Do Veneers Cost with Insurance? What You Need to Know
Veneers can give you a Hollywood smile, but the price can be overwhelming. If you’re wondering how much do veneers cost with insurance, the answer depends on your coverage, dentist, and the type of veneers you choose. While most dental insurance plans don’t cover cosmetic procedures, there are ways to reduce the cost and find affordable options. In this guide, we’ll break down pricing, insurance coverage, and cost-saving strategies to help you achieve your dream smile without overspending.
Do Dental Insurance Plans Cover Veneers?
In most cases, dental insurance does NOT cover veneers because they are considered a cosmetic procedure. However, some plans may provide partial coverage if veneers are needed for medical reasons, such as:
✔ Repairing a cracked or chipped tooth
✔ Restoring teeth after an accident or injury
✔ Fixing severe enamel erosion that affects oral health
Check with your dental insurance provider to see if veneers qualify for partial coverage.
How Much Do Veneers Cost with Insurance?
The cost of veneers varies depending on the material, location, and whether insurance covers part of the procedure.
Average Cost of Veneers (With and Without Insurance)
| Type of Veneers | Cost Per Tooth (Without Insurance) | Cost Per Tooth (With Partial Insurance Coverage) |
|---|---|---|
| Composite Veneers | $250 – $1,500 | $125 – $750 |
| Porcelain Veneers | $800 – $2,500 | $400 – $1,500 |
| Lumineers (No-Prep Veneers) | $800 – $2,000 | $400 – $1,200 |
Even with partial insurance coverage, veneers can still be expensive. Luckily, there are ways to save!
How to Get Insurance to Cover Veneers
If your insurance typically doesn’t cover veneers, here are some ways you might qualify for partial or full coverage:
1. Get a Dentist’s Letter for Medical Necessity
✔ If veneers are needed to restore function (not just for aesthetics), some insurance plans may cover part of the cost.
✔ Have your dentist write a letter explaining why veneers are necessary for your oral health.
2. Check if Your Plan Covers “Major Restorative Procedures”
✔ Some high-tier dental insurance plans offer coverage for restorative dental treatments.
✔ Call your provider and ask if veneers fall under this category.
3. Use an HSA or FSA to Pay for Veneers
✔ A Health Savings Account (HSA) or Flexible Spending Account (FSA) can be used to pay for medically necessary dental work.
✔ If your dentist can classify the procedure as functional rather than cosmetic, you may be able to use pre-tax dollars to pay for veneers.
Always check with your provider before assuming coverage.
How to Save on Veneers Without Insurance
If insurance won’t cover your veneers, here are ways to reduce the cost and make them more affordable:
1. Join a Dental Membership Plan
A dental membership plan provides discounted rates on cosmetic procedures, including veneers.
✅ Save 30-50% on veneers and other dental services
✅ No waiting periods, deductibles, or annual limits
✅ Immediate cost savings
Example Savings: A full set of veneers costing $10,000 could be reduced to $5,500 with a membership plan.
Find affordable dental plans at The Patient Marketplace.
2. Consider Composite Veneers Instead of Porcelain
✔ Composite veneers are cheaper than porcelain and can be done in a single visit.
✔ They don’t last as long but still improve your smile at half the cost.
Ask your dentist if composite veneers are a budget-friendly option.
3. Look for Veneer Discounts at Dental Schools
✔ Dental students perform veneers at discounted prices under supervision.
✔ 30-60% cheaper than private dental clinics.
Check for accredited dental schools near you.
4. Use Financing or Payment Plans
✔ CareCredit – 0% interest for qualified applicants.
✔ Sunbit – Flexible, low-interest monthly payments.
✔ In-house financing – Some dental offices allow installment payments.
Financing spreads the cost of veneers into affordable payments.
5. Travel for Dental Tourism (Save 50-70%)
✔ Many people go to Mexico, Turkey, or Thailand for affordable veneers.
✔ Dental costs overseas can be 50-70% lower than in the U.S.
Make sure to choose an accredited international clinic with positive reviews.
Success Story: How One Patient Saved 50% on Veneers
Meet Emily, a 35-year-old who wanted veneers but was shocked by the $12,000 cost.
Initial Cost Estimate: $12,000 for porcelain veneers.
Her Solution: Emily joined a membership plan through The Patient Marketplace for $50 per month.
Final Cost: $6,500 total—a 50% savings!
“I thought veneers were out of my budget, but a membership plan made them affordable!” – Emily, 35
FAQs About Veneers & Insurance
How much do veneers cost with insurance?
If covered, insurance may reduce costs by 20-50%, but most plans don’t cover cosmetic veneers.
Does Delta Dental or Cigna cover veneers?
Most basic dental insurance plans exclude veneers, but high-tier plans may cover part of the cost.
What’s the cheapest way to get veneers?
✔ Dental schools (save 30-60%)
✔ Dental tourism (save 50-70%)
✔ Membership plans and financing options
Where can I find affordable veneers near me?
Check The Patient Marketplace for discounted veneer providers near you.
Final Thoughts: Can You Afford Veneers with Insurance?
If you’re wondering how much do veneers cost with insurance, the answer depends on your plan, location, and reason for treatment. While most insurance plans won’t cover cosmetic veneers, there are affordable ways to get veneers without overspending.
How to Save on Veneers:
✔ Check if insurance covers veneers for medical reasons
✔ Join a dental membership plan (save 30-50%)
✔ Consider composite veneers or dental schools for lower prices
✔ Use financing or explore dental tourism for affordable options
Want to save on veneers? Visit The Patient Marketplace to find the best cost-saving options today!
